If you have any opportunity to apply for a credit card as an incentive to receive discounts or a "points program", FIRST check to see if GE Money Bank is the lender. If they are RUN. Don't apply. Although you pay your bill in full, they invoke a spending limit which immediately reflects on your CBR and lowers your score. GE uses a risk tactic that only favours their position to gain favourable lending terms from larger banks. They don't give a poor rats behind about your pay history. GE Money Bank...unless you are desperate BAD DEAL! read full review »